Alliance Bank Visa Infinite Business Credit Card

Enjoy better cash flow and 56 days interest-free on purchases to make your business run. Your choice of cashback or reward points for the money spent.

Alliance Bank Visa Infinite Business Credit Card56 days interest-free repayment
Min. Income
Annual Fee
up to 1.5%
Easy Payment Plan
From 0% p.a.
Interest Rate
15% p.a.
56 days


Make every Ringgit you spend on company purchases and travel worth it by receiving monthly cashback of up to 1.5%. Enjoy higher cash back rebates when you spend more each month.

All Retail0.2%RM20from RM1up to RM10,000 monthly
All Retail0.5%RM950from RM10,001up to RM200,000 monthly
All Retail0.8%RM800from RM200,001up to RM300,000 monthly
All Retail1.5%RM5,250from RM300,001up to RM650,000 monthly


Prefer the reward points more than cashback? You can opt to earn 1x Alliance Bank Timeless Bonus Points (TBP) for each RM1 you spent locally and double the points on overseas spending.

Alliance Bank Timeless Bonus Points
2 points on every RM1on all overseas spending
1 point on every RM1on all local spending


Unwind and relax at selected VIP lounges in more than 300 cities worldwide while on business, terms apply. Plus, have peace of mind and safe travels with complimentary travel insurance coverage of up to RM2 Million when you charge your flight ticket(s) with this card.

Travel CoverageSum Insured
Personal AccidentUp to RM2,000,000
Delayed FlightUp to RM2,000
Missed FlightUp to RM2,000
Lost LuggageUp to RM5,000
Delayed LuggageUp to RM2,000


Special privileges and exclusive discounts on dining, golfing, travel and shopping worldwide. Easy and convenient travel with VISA Infinite 24/7 concierge services, just a phone call away.

Fees & Charges

Annual Fee
  • RM800 primary card

    First year free

    Waived when you spend RM80,000 for subsequent years

  • RM100 supplementary card
Sales and Service Tax
RM25 on each principal and supplementary card upon activation and anniversary date
Minimum Monthly Payment
RM50 or 5% of outstanding amount, whichever is higher
Late Payment Fee
RM10 or 1% of outstanding amount, up to a maximum of RM100
Cash withdrawal Fee
RM15 or 5% of withdrawn amount, whichever is higher
Interest Rate on Cash Withdrawals
Daily Maximum Cash Withdrawal
Up to 80%
Contact-less Payment Methods
Visa payWave


Minimum Annual Income
Who can apply
  • Any Business (Minimum 2 years)



Alliance Bank Visa Infinite Business Credit Card - Cashback or Reward Points

Alliance Bank Visa Infinite Business Credit Card allows you to make choices on whether to earn cashback or reward points. Every Ringgit you spend on retail purchases is worth both options.

If you are in favour of the cashback benefit, you can earn 0.2% cash back for purchases of up to RM10,000. Yes, there's no minimum purchase required! 

If you spend between RM10,001 and RM200,000, you can enjoy 0.5% cashback, meanwhile, the cashback is 0.8% for spending between RM200,001 to RM300,000. If you spend more than that, you can earn the highest cashback rate of 1.5%. 

However, the maximum cashback is capped at retail purchases of RM650,000 per month. That simply means the maximum monthly cap is RM9,750.

On the other hand, you can opt for Timeless Bonus Points (TBP) with no expiry date. 

For every Ringgit you spend on retail purchases locally, you can earn 1x Timeless Bonus Points. Besides that, you can earn double TBP for your retail purchases overseas. 

Bear in mind that petrol and government-related expenses will not be rewarded with Timeless Bonus Points.

0% Interest Instalment

For your overseas business spending, you can opt to repay with zero interest with a 0% Alliance Bank Business Credit Card FlexiPay Plan, provided that you are able to settle the outstanding dues in 3 months. 

The minimum spending required is RM500.

If you would like to pick longer repayment periods, you can opt for a 6-month repayment plan with a one-time upfront handling fee of 2.5%. 

Besides that, you can stretch your business spending repayment to 12 months with a one-time interest rate of 5.5% on the FlexiPay amount. 

The minimum purchase amount is RM500.

The one-time upfront interest rate will be charged on the first instalment month. 

Despite the FlexiPay Plan's low-interest rate, it's better to make the repayment on time.

Otherwise, Alliance Bank will charge you 18%p.a. on the outstanding monthly instalment or the entire amount, depending on the decision from Alliance Bank.

Alliance Bank Visa Infinite Business Credit Card Eligibility

You can apply for the Alliance Bank Visa Infinite Business Credit Card with 2 options - personal or business liability.

If you choose to bundle the credit card with personal liability, the minimum annual income is RM150,000 and you're required to operate your business for at least 2 years.

For business liability, on the other hand, the minimum annual turnover is higher at RM500,000 with a minimum of 3 years of business operation.

The Personal Liability Visa Infinite Business Credit Card gives you a minimum credit limit of RM30,000 for up to RM300,000. 

Meanwhile, the credit limit falls between RM25,000 and RM500,000 for the credit card with company liability.

Last but not least, the credit limit is subjected to credit evaluation and repayment capacity.

Complimentary VIP Airport Lounge Access Around the World

As cardholders who travel frequently for business, you can enjoy 6x complimentary access to selected VIP lounges at over 850 airports in more than 300 cities worldwide.

Please note that you can only enjoy this privilege for the first calendar year only. However, you can continue enjoying the privilege when you:

ConditionsComplimentary Airport Lounge Access
Spend min. cumulative RM150,000 (retail) in the current year12x access for the current and following year
Spend min. cumulative RM300,000 (retail) in the current yearUnlimited access for the current and following year

To view the latest lounge directories, please visit Or, you can also check this out for a detailed Priority Pass Lounge Visits Entitlement.

Alliance Bank Visa Infinite Business Credit Card Finance Charge

What is the interest rate imposed on repayments?

Conditions of Repayments Tiered Interest Rate (p.a.)
Prompt Repayment every month 15%
Prompt Repayment 10 out of 12 months 17%
Prompt Repayment of less than 10 out of 12 months AND New Cardmembers 18%

Previously, the finance charge is only imposed on the below that are not paid after the payment due date:

  • Retail transaction - finance charge is calculated from the posting date till full payment is made
  • cash advances/withdrawal transaction - finance charge is calculated from the transaction date

The finance charge is now based on the prevailing tiered interest rate (above) and will be imposed on any of your outstanding balances including All Fees and Charges (except late payment charges).

These are carried forward from the previous statement until the outstanding balances are settled in full.

All Fees and Charges include:

  • Retail Transactions
  • Annual Fee
  • Cash Advance Fee
  • Card Replacement Fee
  • Statement Copy Fee
  • Sales Draft Retrieval Copy Fee
  • Any other form of service of a miscellaneous fee (if any) EXCEPT Late Payment Charges

A late payment charge of 1% will be imposed if the minimum payment is not made by the payment due date. This is subject to a minimum of RM10, whichever is higher up to a maximum of RM100.

This change in Finance Charge will not have any impact if you do not have any unpaid outstanding balance.

In fact, you will continue to enjoy a 20 day interest-free period, provided that the outstanding balances of your Alliance Bank Visa Infinite Business Card are carried forward from the previous month's statement cycle and are paid in full.

Search Icon

Get the financial support you need


We’ll guide you through your application for this financial product